ZIP 78163 Foreclosure, Tax-Lien & Distress Report

ZIP 78163's composite property-distress score is 31/100 - DLRadar classes that as moderate for Comal County, Texas. Leading the profile are structural risk (69/100), construction/permit lag (58/100), institutional ownership (46/100). On the quiet end sit mortgage stress (8/100). On the structural side it scores 69/100, with 3/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (93/100), flood (NFIP) exposure (80/100).

The contraction-phase market in 78163 posted values that fell 1.2% over the year, 2.0% off the recent peak, and 11% higher over three years, at 21/100 phase confidence. A cooling market tends to open discount-to-value windows.

Median household income is $133,681, above the U.S. median near $78,000. The poverty rate is 4.8% — low. 17,455 residents call 78163 home, typically aged 45. DLRadar's demographic-stress index for the area reads 20/100. The ZIP holds roughly 7,256 housing units. Educational attainment sits at 48% bachelor's-or-above. The tenure split is 96% owner-occupied to 5% rented. The typical home is worth about $435,600 (3.2× income, relatively affordable). Around 10% of renters are cost-burdened. Vacancy runs 6.6%.

On the whole, 78163 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 78163 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 78163 read uses the identical public-record model applied coast to coast, which means its 31/100 score means exactly what it means anywhere else, and 78163 stays directly comparable to neighboring ZIPs and the rest of Comal County, Texas. Sparse data for 78163 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 78163's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 78163 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.